AIA Living Trauma Insurance

AIA Living Trauma insurance protects you and your loved ones to get you back on your feet after a serious illness or injury.

TRAUMA INSURANCE

Our trauma insurance options AIA offers two types of trauma insurance, Critical Conditions and Progressive Care. AIA Living Critical Conditions Critical Conditions covers a list of defined medical conditions for a full or partial payment. The cover comes to an end on full payment. AIA Living Progressive Care Progressive Care is our affordable trauma cover. It can provide multiple payments linked to the severity of the illness or injury, with more severe conditions receiving a larger payment. You’ll be covered for defined medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of Function, and Other Health Events. Even if you receive a full payment in one category, you could still be eligible to claim under other categories. It can be beneficial to have both types of trauma insurance to make sure you’re supported when and where it’s needed most. Progressive Care can provide financial support for less severe claims, and both types of trauma insurance can be used when you face something big, providing financial support for a range of situations.

What is trauma insurance and why do you need it? Trauma insurance is designed to pay you a lump sum to manage the financial impact if you or one of your children were to face serious illness or injury, like taking care of medical treatment and rehabilitation costs, or simply allowing you and your family to focus on recovery instead of worrying about work. Unfortunately, experiencing a trauma such as serious illness or injury at least once in your life is more common than you might think. New Zealanders are increasingly surviving illnesses that previously have been terminal. Key benefits of our trauma insurance • Covers you for a range of defined medical conditions. • Includes some built-in trauma and optional benefits to cover children under your trauma policy or a comprehensive standalone policy to support your family should your child face a serious illness or injury. • Whether you are at home, travelling or living overseas for any period, you remain insured with worldwide cover.

AIA Vitality is our personalised, science-backed health and wellbeing programme that supports you every day to make healthier lifestyle choices. It takes you on a journey to better health - where you get to know your health, improve it, and enjoy the rewards for doing so. Add AIA Vitality when you purchase trauma insurance to receive: • an initial 10% premium discount* on your first year’s premium • earn up to $560 in vouchers or Airpoints Dollars TM per membership year • exclusive rewards and discounts from our partners.

Add AIA Vitality to your trauma insurance for $11.50 per month. *T&Cs apply.

aia.co.nz/trauma

What’s included with AIA Living Trauma Insurance:

Critical Conditions

Progressive Care

Three months to 70 years old

Eligible age in years (inclusive)

Age three months -15: $250,000 Age 16+: $2,000,000

Age three months -15: $250,000 Age 16+: $1,500,000 Covers a wide range of medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of function, and Other Health Events. Save up to 15% on your premiums when you buy multiple eligible insurance policies.

Cover amount

Covers a wide range of defined medical conditions for a full or partial payment.

Cover includes

Save up to 15% on your premiums when you buy multiple eligible insurance policies.

Multi-Benefit Discount Start saving when you take out life insurance and at least one other eligible insurance product. T&Cs apply.

Can be added for $11.50 per month (16+)

Eligibility

Receive a 10% discount in your first year, then you’re in control of the discount you receive.

AIA Vitality Premium Discount Premium Flex rewards you with a discount on your insurance. The more engaged you are, the higher the discount. Conditions apply. Built-in Benefits Return home Covers the cost for you and a support person to return to New Zealand if you suffer a critical condition for the first time while you are overseas. Medical advancements provision At claim time we’ll consider the latest recognised diagnostic techniques and investigations used to assess your covered medical conditions. Severe illness or injury Protection if you suffer a serious medical condition that isn’t specified in the policy wording but meets our definition of severe illness or injury. Financial and legal advice Covers costs to help you access advice from an AIA approved financial adviser or legal professional. Standalone conversion facility You may convert your standalone trauma insurance to accelerated with an equal amount of Life Cover without any further medical evidence. Premium conversion facility Before reaching the age of 65 years, you have the option to convert all or part of your sum assured to a level premium structure without any further medical underwriting. Future insurability You can apply to increase your Trauma sum assured at every third policy anniversary without providing any further medical information. Limits and conditions apply and every increase in cover will result in an increase in premium. Special events increase facility You can increase the sum assured without further medical underwriting following one of the significant events mentioned in the policy. Counselling Financial support to cover the cost of a Psychiatrist or Psychologist consultation and counselling for you and/or your family where the treatment directly relates to a claim. Children’s trauma Cover for your children aged from three months old up to their 21st birthday.

Up to $10,000

Up to $2,500

The lower of $50,000 or 50% of the sum assured

Trauma Insurance

Critical Conditions

Progressive Care

Newborn children Financial support if the child is born with one of eight specified congenital conditions and survives 30 days.

The lower of $50,000 or 50% of the sum assured

Parents grieving Financial support if your child passes away.

Under 10: $2,000 Age 10 to 20: $15,000

Children’s trauma conversion facility When your child turns 21, the Built-in Children’s Trauma Benefit and/or Optional Children’s Maternity Benefit (where applicable), can be converted to an adult trauma insurance policy. This can be done on a standalone basis or accelerated with the same amount of Life Cover, without any further medical evidence required, provided there is no increase in cover. Worldwide cover Whether you’re at home, travelling or living overseas for any period, you remain insured. Suspension of cover AIA provides the flexibility to suspend your cover for up to 12 months, if you meet the conditions outlined in the policy wording. No benefits will be payable for any claim event which occurs during this suspension period. Enhancement pass back At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co.nz/passbacks.

Optional add-ons Early cancer upgrade

The lower of $75,000 or 25% of the sum assured at the date the optional benefit commenced

Covers costs for a number of minor cancer conditions that are treatable and non- life threatening and at early stages of diagnosis. Payable once per life assured across all AIA policies. Critical conditions buy-back Reinstate your level of cover under your original AIA Living Critical Conditions policy, without having to provide further medical information. Life cover buy-back Reinstate your level of cover under your original AIA Living Life Cover policy following an accelerated Critical Conditions claim, without having to provide further medical information. Total permanent disablement condition Provides cover for an additional condition if you were to become totally and permanently disabled as a result of accident or illness and you are unlikely to be able to work in your own occupation again. Children and maternity Provides limited cover for three defined serious pregnancy complications, eight listed children’s congenital conditions and defined critical conditions suffered by a child. Refer to the policy wording for details. Waiver of premium Remove the burden of paying premiums when you are unable to work due to total disability.

The lower of $75,000 or 50% of the sum assured

This is a summary only. For all terms, conditions, limits and exclusions, please refer to the relevant policy wordings which can be found on aia.co.nz or speak to your adviser.

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Medical conditions covered with AIA Living Critical Conditions With this option you’re covered for a range of defined medical conditions.

*Certain conditions have a stand down period. There is no cover under the policy if you suffer any of these conditions (or signs or symptoms which lead to these conditions) within the first three months of the receipt of application by AIA. For details of each condition please refer to the policy wording or speak to your Adviser.

3 month stand down period*

Full payment

Partial payment

Full payment

Partial payment

Advanced AIDS

Major transplant surgery Malignant tumours and blood cancers

Advanced diabetes Alzheimer’s disease

Meningitis

Angioplasty – 3 vessels or more Angioplasty – less than 3 vessels

Motor neurone disease

Multiple sclerosis

Muscular dystrophy

Aortic surgery

Optional Total Permanent Disablement condition Out-of-hospital cardiac arrest

Aplastic anaemia

Benign brain or spinal cord tumour

Cardiac Defibrillator Insertion Carcinoma-in-situ

Pacemaker Insertion Paraplegia

Peripheral neuropathy

Carcinoma-in-situ radical surgery

Permanent blindness Permanent loss of hearing Permanent loss of speech Permanent loss of use of limbs

Cardiomyopathy

Cerebral Aneurysm Chronic liver failure Chronic lung disease

Pneumonectomy

Chronic renal failure

Prostate cancer

Cognitive Impairment

Pulmonary hypertension

Coma

Quadriplegia/Tetraplegia

Coronary artery bypass surgery Creutzfeldt-Jakob disease

Severe burns

Severe Crohn's disease

Severe illness or injury

Dementia

Severe osteoporosis

Diplegia

Severe rheumatoid arthritis

Encephalitis

Severe ulcerative colitis

Heart attack Heart valve surgery Hemiplegia Idiopathic Parkinson’s disease Intensive care benefit Loss of independent existence

Stroke

Systemic Lupus Erythematosus with lupus nephritis

Systemic Sclerosis

Terminal illness

Major head trauma

Trauma Insurance

Medical conditions that are covered with AIA Living Progressive Care Below is a table that details how each level pays out across the five categories depending on the level of severity.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

100%

75%

50%

25% 10%

25%

CANCER Malignant brain tumour Myeloma Bone marrow or stem cell transplant CIN-3, VIN-3, PIN-3 3 month stand down period* Malignant tumour Prostate cancer Malignant melanoma Carcinoma in situ Urinary bladder cancer Non-Hodgkin's Lymphoma Hodgkin's Lymphoma Leukaemia Benign brain or spinal cord tumour Aplastic anaemia Transplant waiting list for bone marrow transplant Myelodysplastic syndrome

OTHER HEALTH EVENTS Primary pulmonary hypertension Major organ transplant (or transplant waiting list) Acute renal dialysis Advanced Type 1 diabetes Advanced AIDS Pneumonectomy Systemic sclerosis Systemic lupus erythematosus with lupus nephritis 3 month stand down period* Chronic liver failure Chronic lung failure Chronic kidney failure Chronic obstructive pulmonary disease Removal of large bowel Severe osteoporosis Severe rheumatoid arthritis

BRAIN AND NERVES Dementia and Alzheimer's disease

Parkinson's disease Major head trauma Motor neurone disease

Muscular dystrophy

Encephalitis Meningitis Peripheral neuropathy 3 month stand down period* Stroke

Multiple sclerosis Cerebral aneurysm

LOSS OF FUNCTION Coma Paralysis - Diplegia and Hemiplegia Loss of independent existence Severe burns/Major burns Loss of sight in one eye and one limb

Severe ulcerative colitis Severe Crohn's disease Type 1 diabetes Advanced Type 2 diabetes Severe illness or injury

HEART AND ARTERIES Out of hospital cardiac arrest Cardiomyopathy

Loss of hearing Loss of speech Loss of limbs Intensive care benefit

Severe congestive cardiac failure Severe peripheral vascular disease 3 month stand down period* Heart attack Coronary artery bypass graft Angioplasty Aortic surgery

Paraplegia/Quadriplegia/Tetraplegia Optional Total Permanent Disablement condition 3 month stand down period* Loss of sight

Heart valve surgery Defibrillator insertion Pacemaker insertion Minor heart valve surgery

How multiple conditions are covered under Progressive Care When your policy begins, the amount of cover in each of the five categories is the same. As you claim for a condition, the amount reduces only for that category. The strength of Progressive Care means after you make an initial claim (First Claim), you could then make future claims if your condition becomes worse or you suffer from a more severe related condition (Related Claim), or if you suffer from an unrelated condition (Unrelated Claim). First claim If a claim is paid under a specific category, the insurance remaining within that category decreases by the claim payment amount. If you receive a 100% claim payment, the insurance for that particular category is exhausted. However, the amount of cover for all other categories remains unaffected.

For example, if you are diagnosed with malignant melanoma that meets the criteria for Severity Level 4, you’ll receive a payment of 25% under the Cancer Category and the sum assured for that category will reduce by the amount paid. The sum assured for other categories continues at 100%.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

25%

L4 SEVERITY

75% left

100% left

Related claims If your medical condition worsens or you suffer from a related medical condition, you could claim again. The severity level must be higher than the preceding related claim. In these cases, the claim payment is based on increase in the severity*.

For example, if your condition worsens and the melanoma progresses to metastatic skin cancer that meets the criteria for Severity Level 1, it will be treated as a related claim and you’ll receive a 75% claim payment being the balance remaining under the Cancer Category. *Subject to cover being available within the category.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

25%

75% L1 SEVERITY

0% left

100% left

Unrelated claims When you suffer a medical condition unrelated to previous claims.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

For example, a year later you suffer a stroke that meets the criteria for Severity Level 4. As the stroke is unrelated to cancer, you could claim again and receive a 25% claim payment under the Brain and Nerves Category.

CANCER

25%

L4 SEVERITY

0% left

100% left

75% left

100% left

Trauma Insurance

How Progressive Care and Critical Conditions work together to offer increased financial support

Tom has $200,000 of trauma insurance made up of $100,000 Progressive Care and $100,000 Critical Conditions. Tom added the Optional Critical Conditions Buyback benefit to his policy at application.

Tom’s claim journey

First claim Tom suffers a severity level 3 heart attack. He receives a 50% claim payment under his Progressive Care and full claim payment from his Critical Conditions.

PROGRESSIVE CARE

CRITICAL CONDITIONS with Optional Critical Conditions Buyback

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

$50,000

$100,000 lump sum payment

$100,000

Tom’s Critical Conditions is then reinstated. It now has an exclusion for heart attacks.

i.e. $100,000 less a claim payment of $50,000 ($100,000 x 50%)

His total claim is $150,000

Unrelated claim Unfortunately, 5 years later Tom suffers from cancer at severity level 1. He receives a 100% claim payment from Progressive Care and full claim payment from Critical Conditions. His total claim is $200,000.

PROGRESSIVE CARE

CRITICAL CONDITIONS with Optional Critical Conditions Buyback

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

$50,000

$100,000 lump sum payment

$100,000

His total claim is $200,000

We’re here to make a difference, our claims philosophy

Life doesn’t always go to plan; at AIA we want to be there when you need us the most. Our extensive claims data not only provides us with valuable insights into population health, but it signals where further support is needed to reduce the burden on New Zealand’s health system. Our vision is for New Zealand to become one of the healthiest and best protected in the world. We know making a claim is often a result of a difficult time when you need us the most. With one of the largest and most experienced claims teams in New Zealand, nationwide rehabilitation support and a transparent claims review process, we ensure your claims experience is excellent, fair and fast.

AIA latest annual claims by the numbers 1

797K OVER KIWIS PROTECTED.

WE ACCEPTED 92% OF ALL CLAIMS RECEIVED.

WE PAID $829.6M IN CLAIMS 2 .

1 TREE PLANTED IN MEMORY OF EVERY AIA LIFE INSURANCE CUSTOMER WHO PASSED AWAY. SINCE 2022, WE HAVE PLANTED 9,932 TREES.

ONE OF THE LARGEST CLAIMS TEAMS IN NEW ZEALAND.

1. As reported by the AIA Business Insights team. 2. Including GST, maturities and surrenders.

Trauma Insurance

Total trauma claims paid in 2024 $139.5M

CANCER 59%

HEART 16%

NEUROLOGICAL 11%

MUSCULO SKELETAL 8%

CLAIMS BY AGE GROUP

20-29 $3.28M CLAIMS PAID

30-39 $23.56M CLAIMS PAID

40-49 $39.67M CLAIMS PAID

50-59 $49.19M CLAIMS PAID

60-69 $22.07M CLAIMS PAID

70+ $1.41M CLAIMS PAID

$12.59M Cancer

$20.84M Cancer

$31.21M Cancer

$13.28M Cancer

Neurological

$1.73M Musculo Skeletal

$481K

$971K Cancer

$3.67M Musculo Skeletal

$5.87M Heart

$9.58M Heart

$3.54M Heart

Cancer $373K

$172K Neurological

Neurological $1.92M

$5.25M Neurological

$5.07M Neurological

$1.76M Neurological

$284K Heart

$1.55M Heart

Musculo Skeletal

Respiratory $1.09M

$3.31M

$1.25M

Save on your insurance with Multi-Benefit Discount

Insurance is an important part of setting yourself up financially, protecting you and your family’s health, wealth, and wellbeing. We know you have everyday expenses to manage, so we’ll do what we can to help you out. How Multi-Benefit Discount works Start saving when you insure yourself with life cover and at least one other benefit from the optional categories below. At least one of your benefits must be from the AIA Living range and these will be the only benefits that receive the discount. Minimum cover amounts apply. Minimum cover amounts Benefits that count towards eligibility

Life Cover Family Protection* Accidental Death Critical Conditions Progressive Care

Life Insurance

$100,000

Compulsory category

Trauma Insurance

$75,000

Total Permanent Disablement Optional TPD Condition Start-Up Income Protection Income Protection Mortgage, Income or Rent Cover Business Continuity Rural Continuity Business Income Support

Total Permanent Disablement Insurance

$75,000

Optional categories (excludes Health Insurance)

Income Protection Insurance

$2,000 per month

* Converted to a lump sum amount taking into account the entire benefit term

Discount tiers

If you are eligible for Multi-Benefit Discount, the discount will be calculated based on the different optional categories you have benefits from, as follows:

Discount received

10%

One optional category

Life Insurance (compulsory category) Choose from Life Cover, family protection or accidental death cover.

12.5%

Two optional categories

Three optional categories or

15%

Already have existing policies with us?

When you take out new cover with AIA, we’ll take into consideration any existing cover you already have with us, to see if you qualify for Multi-Benefit Discount. If you’re eligible for a discount, this will only be applied to your benefits from the AIA Living range.

Trauma Insurance

How Multi-Benefit Discount applies to specific Optional Benefits The below AIA Living optional benefits do not count towards your eligibility to trigger Multi-Benefit Discount. However, once you qualify for Multi-Benefit Discount you will also receive the discount on these optional benefits.

• Waiver of Premium

• Early Cancer Upgrade

• Income Protection Premier Cover

• Specified Accidental Injury Cover

• Redundancy Cover

• Children’s and Maternity

• Retirement Protection

• Future Insurability

• Critical Conditions Buyback

• Life Buyback

• Business Safeguard

Multi-Benefit Discount examples

Example 1 Phil has $200K of TotalCareMax (TCM) Life cover and $100K of TCM Critical Conditions cover. Phil does not qualify for Multi-Benefit Discount (MBD) as he does not have any benefits from the AIA Living range. Phil takes out AIA Living Income Protection Cover (IP) of $3,000 per month. Phil now qualifies for a 12.5% discount as he has Life + 2 optional categories. However, MBD will only apply to his IP benefit as that is the only benefit from the AIA Living range.

Does Phil have life cover?

Does Phil have a benefit from any of the optional categories that count towards MBD eligibility?

Which of Phil’s benefits will receive the MBD?

Discount

TotalCareMax Life Cover TotalCareMax Critical Conditions AIA Living Income Protection

TotalCareMax Critical Conditions AIA Living Income Protection

Life + 2 eligible optional benefit categories = 12.5% OFF AIA LIVING IP POLICY

TotalCareMax Life Cover

Example 2 Jane has $500K of AIA Living Life cover and $5,000 per month of Specified Accidental Injury Cover (SAIC). She does not qualify for MBD as SAIC is not an eligible optional benefit that qualifies for MBD discount. She subsequently takes out $100K of AIA Living Critical Conditions cover. Jane now qualifies for a 10% MBD discount (Life + Critical Conditions cover). Jane will also get the 10% discount on her AIA Living SAIC, as while it does not count towards eligibility for MBD, it still receives MBD.

Does Jane have life cover?

Does Jane have a benefit from any of the optional categories that count towards MBD eligibility?

Which of Jane’s benefits will receive the MBD?

Discount

Life + 1 eligible optional benefit category = 10% OFF AIA LIVING LIFE COVER, AIA LIVING SAIC & AIA LIVING CRITICAL CONDITIONS

AIA Living Life Cover

AIA Living Specified Accidental Injury Cover AIA Living Critical Conditions

AIA Living Life Cover

For full terms and conditions visit aia.co.nz/mbd

How to save on insurance with

and get up to $560 in rewards

When you become an AIA Vitality member you get a 10% premium discount on eligible insurance products in your first year. Your savings don’t end there, now you’re in control of the premium discount you can continue to receive through ongoing engagement with the AIA Vitality programme. Your premium discount will increase, decrease, or stay the same annually based on the AIA Vitality Status you have achieved at policy anniversary*. Plus, as soon as you’ve activated AIA Vitality you can start accessing tools and discounts through our partners to begin your health and wellbeing journey. When you make healthy choices, like tracking your sleep or reaching your weekly physical activity targets, you earn AIA Vitality Points. As you earn more points you’ll move from Bronze to Silver, Gold and finally to Platinum Status. Improve your AIA Vitality Status to earn up to $300 in Status Rewards.

Example of how your AIA Vitality Status impacts your premium flex and rewards you can earn:

GOLD 20,000 POINTS

BRONZE 0 POINTS

SILVER 10,000 POINTS

PLATINUM

30,000 POINTS

35,000 POINTS

-2.0% per annum to a minimum of 0%

-1.0% per annum to a minimum of 0%

+2.0% per annum up to a maximum of 20%

Retain current discount

PREMIUM FLEX

Example: Your AIA Vitality year 1 discount is 10% (the initial discount)

If you retain Bronze, your year 2 DISCOUNT WILL BE 8%

If you reach Silver, your year 2 DISCOUNT WILL BE 9%

+50 Airpoints Dollars™ If you reach Gold, your year 2 DISCOUNT WILL BE 10%

If you reach Platinum, your year 2 DISCOUNT WILL BE 12%

+100 Airpoints Dollars™

+125 Airpoints Dollars™

+25 Airpoints Dollars™

+$25 Woolworths Gift Card

+$50 Woolworths Gift Card

+$100 Woolworths Gift Card

+$125 Woolworths Gift Card

20% discount Gift Card

30% discount Gift Card

40% discount Gift Card

50% discount Gift Card

*More details on Premium Flex, refer to aia.co.nz/premium-flex. The table above is for illustrative purposes only.

Scan the QR code to experience a year with AIA Vitality using our interactive simulator.

Copyright © 2025, AIA New Zealand Limited (352806). All rights reserved. The information contained in this document is current at the time of publication and is subject to change at any time. Disclaimer: Other things you should know: the availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions and premium loadings may apply. This insurance is underwritten by AIA New Zealand Limited (‘AIA’). For full details of the products and benefits offered by AIA, please refer to the policy document(s) which are available from AIA. The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any insurance decision, you should consult a professional Adviser.

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